28. 款项之抵充 Application of Payments

　　客户支付予银行之所有款项，皆应由银行依相关法律规定，决定债务清偿之先后顺序。

　　All payments by the Customer to the Bank shall be applied to the liabilities in such order of priority as the Bank shall elect in accordance with the applicable laws.

　　29. 合约语言与解读 Language and Interpretation

　　29.1 本约定书以中、英文本签订，如中英文义有歧异之情事，以英文本为准。

　　This Agreement is made and executed in both Chinese and English. In the event of any discrepancy between the Chinese and English texts, the English version shall govern.

　　29.2 本约定书内可能含有之打印错误，应透过对本约定书相关内容上下文合理解释之方式

　　予以处理。本约定书所用标题仅为方便参考，并不影响本约定书之解释。

　　Typo errors as possibly appear in this Agreement shall be interpreted through reasonable explanation of the relevant context of this Agreement. The headings used in this Agreement are for convenience of reference only and are not to affect the construction of or to be taken into consideration in interpreting this Agreement.

　　29.3 若本约定书 (a) A 部分与 (b) A-1 部分及 B 部分之间有任何不一致时，应以本约定书 A-1 部分及 B 部分之规定为准。

　　In the event of any inconsistency between (a) Part A and (b) Part A-1 and Part B of this Agreement, Part A-1 and Part B of this Agreement shall prevail.

　　30. 准据法与管辖地 Governing Law and Jurisdiction

　　本约定书应受中华民国法律所规范并据以解读，且签约双方不可撤销地接受台北地方法院之非专属管辖。

　　This Agreement is governed by and construed in accordance with the laws of the Republic of China. The Parties irrevocably agree to submit to the non-exclusive jurisdiction of the Taipei District Court.

　　(A-1部分-西班牙对外银行在台分行提供授信之补充规定，包括其台北分行及国际金融分行)

　　(Part A-1 - Additional Terms for banking facilities provided by BBVA branches in Taiwan, including its domestic banking unit and offshore banking units)

　　下列补充规定适用于西班牙对外银行在台分行之授信事宜，且构成本约定书之一部分。

　　The following Additional Terms apply to banking facilities provided by BBVA branches in Taiwan

　　and form an integral part of this Agreement.

　　1.贷方账户 Credit Account

　　银行得于其帐簿内签发以客户为名之一个或数个贷方帐，以登载提供予客户授信之动拨、币别、清偿、提前清偿、利息、费用及与授信相关之其它应付实付金额之计算与支付。若无明显计算错误，则此等贷方帐即为客户随时积欠银行款项之最终证明，对客户具拘束力。此外，凡经银行合法授权之主管就客户当时应付金额出具证明表示该金额已届清偿期时，该证明亦为终局之证明，并对客户具拘束力。

　　The Bank may open and maintain on its books one or more credit accounts in the Customer'name showing the extensions and the currencies of the facilities, repayments, prepayments, (s) and computation and payment of interest, fees and other amounts due and paid with respect to the facilities. Such credit accounts shall be conclusive and binding on the Customer as to the amount at any time due from the Customer absent manifest error in computation. In addition, a certificate signed by any duly authorized officer of the Bank stating that any amount owed by the Customer to the Bank is then due and payable, and shall be conclusive and binding on the Customer.

　　2.或有债务之预付或付款催告 Prepayment of Contingent Liabilities/Cash Call

　　如客户未清偿到期债务，或发生违约情事并在继续中者，银行得采取下列措施： (i) 银行得(但并无义务)就其因代客户或代他人(但由客户保证或提供他种担保)签发信用状、承兑书、保证书所有已生之或有债务(以下称「或有债务」)，于到期日前提前清偿其全部或一部。客户并应于经银行请求时，立即归垫银行之提前清偿金额，并按下列第 3项规定之利率，就自银行先行提前清偿之日起至客户归垫之日止之期间，支付迟延利息;及/或 (ii) 银行得于通知客户后(以下称「付款催告」)要求客户立即将与当时未清偿「或有债务」金额相等之款项，存入以银行为名之一个或多个户头内(以下称「专户」)。银行得(但并无义务)自该「专户」领取款项用于清偿到期或提前支付全部或一部之「或有债务」。若该专户内之存款余额不足支付时，客户应依银行之要求补足之，以供清偿到期或提前清偿「或有债务」及其利息，但所有债务经向银行清偿，且银行亦已免除所有之「或有债务」之责任后，「专户」内之所有存款余额退还客户。

　　If the Customer fails to pay any liability when due or if an Event of Default occurs and is continuing, (i) the Bank may (but shall not be obligated to) prepay prior to maturity all or any portion of any then outstanding contingent liability of the Bank under letters of credit, acceptances, guarantees or other documents issued on behalf of the Customer or on behalf of other persons and guaranteed or otherwise secured by the Customer ("Contingent Liabilities") and the Customer shall immediately on demand reimburse the Bank the sum so prepaid plus Default Interest from the date of such prepayment by the Bank to the date of reimbursement at the rate specified in Section 3 below, and/or (ii) the Bank may, upon notice to the Customer ("Cash Call"), require the Customer to immediately deposit into one or more accounts standing in the name of the Bank (collectively the "Special Account") a sum equal to the amount of any then outstanding Contingent Liabilities. The Bank may (but shall not be obligated to) draw from the Special Account any sums required to pay on maturity or prepay all or any part of the Contingent Liabilities. If the balance in the Special Account is insufficient, the Customer shall pay to the Bank such additional sums as are required by the Bank to make such payment or prepayment plus interest as provided above; provided, that upon repayment and payment to the Bank of all liabilities and the release of the Bank from all Contingent Liabilities, the remaining balance, if any, in the Special Account shall be refunded to the Customer.

　　3. 迟延利息与赔偿金 Default Interest and Indemnity

　　除授信文件、相关交易之合约、申请书或确认书另有约定者外，客户任何应付而未付之款项于客户发生违约情事，经银行请求时，不论在法院判决前或之后，应立即按银行所订该有关币别之短期放款所适用之利率加计百分之三或以法律所允许之最高利率(视孰者较低)加计迟延利息(以下称「迟延利率」)。迟延利息应在法律规定所允许之范围内，按复利计算。除迟延利息外，倘因客户发生违约情事致银行遭受损失或产生费用时，客户应赔偿银行之损失，和负担银行之费用，并使银行不因此而遭受损。

　　Except as otherwise provided in the facility documentation or the agreement, application or confirmation for the relevant transactions, the due and unpaid amount in the event of any Event of Default shall bear default interest, payable on demand, both before and after court judgment, at the rate determined by the Bank from time to time to be the relevant applicable rate for short-term loans in the relevant currency plus three percent (3%) or the highest interest rate permitted by applicable law, whichever is less ("Default Interest"), compounded to the extent permitted under applicable law. In addition to the payment of Default Interest, the Customer shall pay, and otherwise indemnify and hold the Bank harmless from and against, all losses, costs and expenses arising from such Event of Default.

　　4. 法律之变更 Change of Law

　　如有关法律规章及命令或其解释或适用发生变更致银行依法不得贷放或维持授信予客户时，该笔授信即不得贷放予客户，客户应立即或在该法令准许之较长期间内，提前偿还该笔授信，或使银行免除其就授信所承担的或有债务。

　　If any change in any applicable law, rule or regulation thereof shall make it unlawful for the Bank to extend or maintain any facility to or with the Customer, such facility shall not be extended, and the Customer shall forthwith immediately, or within such longer period as may be allowed by such law, rule or regulation prepay the liabilities or cause the Bank to be released from any contingent liabilities under such facility, as applicable.

　　5. 担保品 Security

　　5.1 客户应以银行要求之形式与实体就客户之负债提供担保予银行，并于适当时向银行设定

　　抵押、将客户拥有担保品及与担保品有关事宜之所有权利、所有权与利益的担保利益授予银行，及将证明该等担保品之所有法律文书与文件证明交付予银行，且于银行要求时进行背书。银行得随时于相关法律与规章允许之范围内，将客户向银行抵押的任何及所有存款与客户之债务互抵或运用。

　　As security for the Customer’s liabilities, the Customer shall provide to the Bank the security in form and substance as required by the Bank and, if applicable, pledges the security to the Bank, grants to the Bank a security interest in all rights, title and interest of the Customer in and to the security, and undertakes to deliver to the Bank all instruments and documents evidencing the security, endorsed as the Bank may direct. The Bank may at any time set off and apply, to the extent permitted by applicable laws and regulations, any and all of the Customer's deposits which are pledged to the Bank against the Customer’s liabilities.

　　5.2 除银行所持有之担保品外，质押亦应构成对银行之持续担保。

　　The pledge shall be a continuing security, in addition to any other security held by the Bank.

　　5.3 银行被授权依一般条款第 4.2 条规定，出售、处分或以其它方式处理任何商品或文件。

　　The Bank is authorized to sell, dispose of or otherwise deal with any of the goods or Documents in accordance with Clause 4.2 of the General Provisions.

　　5.4 客户应依银行之要求及实务之需要，以其自己之费用，就担保品为必要之登记以保障银

　　行对于担保品所享之担保权益，并且就担保品向银行所认可之保险公司投保适当之保险，保险范围及保险金额应为银行所认为适当者，保险金额不得低于担保品之市价，并以银行为保险受益人，并交付银行保险证明文件。

　　The Customer shall, at the Bank's request and the needs in practice, effect all registration at its own costs with respect to the security so as to protect the Bank's security interest on the security and shall cause the security to be duly insured with an insurer approved by the Bank with coverage and in amounts not less than the market value of the security and satisfactory to the Bank and shall name the Bank as beneficiary with respect thereto, and shall deliver the documents evidencing such insurance to the Bank.

　　6. 客户之承诺事项 Customer's Covenants

　　6.1 在授信未获全数清偿之前，客户应： (i)维持其公司之持续，及维持为经营其业务、营运或拥有财产所有权所必要之执照; (ii)有次序，有效率并正常地经营其业务; (iii)遵守一

　　切有关法规命令及具管辖权之主管机关之命令规定;(iv)设置适当之帐簿与纪录;(v)于未遭课征滞纳金之前即缴纳对客户、其收入、盈余或财产所课征之一切税捐、估价及政府费用，并清偿其它一切合法之请求，以免因未清偿致使客户之财产，包括担保品在内，有法定留置权、质押担保或其它之负担。

　　So long as any facility remains outstanding, the Customer shall (i) maintain its corporate existence, if any, and all licenses necessary for the conduct of its business and operation or the ownership of its properties; (ii) conduct its business in an orderly, efficient and regular manner; (iii) comply with the requirements of all applicable laws, regulations, requirements and orders of all governmental authorities having jurisdiction over it; (iv) keep and maintain proper books and records and (v) pay and discharge all taxes, assessments and governmental charges or levies imposed upon it, its income, profits or properties, prior to the date on which penalties attach thereto, and all lawful claims which, if unpaid, might become a lien, pledge or encumbrance upon any of its properties, including the security.

　　6.2 如银行提出要求，客户应让银行之代表(包括其所聘用之独立会计师或其它顾问)于正

　　常营业时间内查核客户与授信相关或履行清偿授信债务有关之帐簿纪录及文件，并制作其摘录。

　　Upon request of the Bank, the Customer shall give any persons designated by the Bank (including any independent accountant or other consultant designated by the Bank) access during normal business hours to examine and make extracts from such of its books, records and documents as may be pertinent to the facilities or the performance of the facility liabilities.

　　6.3 在客户未全部清偿债务之前，客户为公司组织者，应于银行所要求之时间内，提供银行

　　有关客户公司之各类财务报表，包括但不限于资产负债表、损益表、保留盈余与股息拨补表，包括前会计年度同期之金额。上开各种报表应具备详细合理之内容，应以新台币为单位表示。此等财务报表应系依中华民国一般适用之公认会计原则编制，且应经客户之董事长或总经理或财务主管签发证明，表示据其适当查核所知，客户无违约情事或其他经通知或相当时间后可能构成违约之情事，或如违约情事已发生或进行中时，则应说明该「违约情事」之性质，及客户所已或拟采取之因应措施。客户并应依银行随时之要求，送交银行有关客户财务及营运情况之其它资料。

　　So long as the Customer has not yet fully repaid the Customer’s liabilities, the Customer, in the case of a corporate entity, shall within the time required by the Bank provide the Bank with a copy of various financial statements, including but not limited to its balance sheet, a statement of income and loss, retained earnings and dividends for such period including figures for the corresponding period of the preceding fiscal year, all in reasonable detail and stated in New Taiwan Dollars. Such financial statements shall be prepared in accordance with generally accepted Republic of China accounting principles consistently applied and be accompanied by a certificate from the chairman or the general manager or the chief financial officer of the Customer stating that to the best of his/her knowledge and belief after due inquiry no event which constitutes, or which with the giving of notice or passage of time or both could constitute an Event of Default, or if an Event of Default has occurred or is continuing, a statement as to its nature and the remedial action the Customer has taken or proposes to take with respect thereto should be provided. The Customer shall further provide the Bank with such other information concerning the financial condition and operations of the Customer as the Bank may from time to time request.

　　6.4 客户应随时签署盖章并交付金额不超过债务最大金额本票、授权银行填入本票到期日及

　　利息等事项之授权书及其它文件或书据。此外，客户亦应办理经银行认为为达成本约定书及(或)完成、保全或实现担保品或任何基于其而产生之有关收入、股息、利息或其他收益所需或适当之行为或事项。

　　The Customer shall from time to time execute, seal, sign and deliver promissory notes in an amount or amounts not exceeding the maximum amount of the Customer’s liabilities, power of attorney authorizing the Bank to fill in the maturity date or the relevant interest on the promissory note and all such other documents and instruments and do all such other acts and matters as the Bank deems necessary or appropriate to carry out the intent hereof and/or to perfect, preserve or realize the security or any income, dividends, interest or other benefits arising thereunder.

　　7. 付款 Payment

　　7.1 银行将支付款项予任何账户之日，若为台北之非银行营业日(「营业日」)时，应于次营业日执行。

　　Payment to be made by the Bank with respect to any account on a day which is not a banking business day in Taipei (“Business Day”) shall be made on the next Business Day.

　　7.2 银行于现在或将来就任何账户或存款之付款所发生之各项税捐及费用或扣除额，均应由

　　客户负担。

　　All taxes, duties, charges, or deductions in respect of any accounts or payments or to be made by the Bank on behalf of the Customer shall be borne by the Customer.

　　7.3 客户应于债务到期(不论系因提前到期或其它原因而到期者)时向银行清偿债务。

　　The Customer shall make payment to the Bank with respect to the Customer’s liabilities when due whether by acceleration or otherwise.

　　除相关交易之授信文件或交易申请书或确认书内另有规定者外，客户对银行所为与债务有关之付款，均应于到期日台北时间上午十一时以可立即兑现之新台币汇入银行指定之帐户及(或)银行随时通知客户之其它账户或地点。

　　Unless otherwise provided in the facility documentation or application or confirmation for the relevant transactions, all payments to the Bank by the Customer with respect to the Customer’s liabilities shall be payable in New Taiwan Dollar, not later than 11:00 am (Taipei time) on the due date in immediately available funds to the designated account of the Bank and/or to such other account or place as the Bank may from time to time designate by notice to the Customer.

　　7.4 除相关交易之授信文件或交易申请书或确认书内另有规定者外，客户就授信应支付之利

　　息与费用，应逐月于银行所订之日期支付，但如果银行已选择先扣抵利息或费用金额者不在此限。

　　Except as otherwise provided in the facility documentation or application or confirmation for the relevant transactions, interest and fees on facilities shall be paid monthly on the date in each month specified by the Bank unless the Bank has elected to discount fees or interest in advance.

　　7.5 当客户应支付银行款项之付款日非营业日时，则应以次一营业日为付款日，但若次一营业日属于次一历月时，则应以前一营业日为付款日。

　　Whenever a payment shall become payable from the Customer to the Bank on a day which is not a Business Day, such payment shall become payable on the next succeeding Business Day unless as a result thereof, such payment would be made in the next calendar month, in which case such payment shall be payable on the preceding Business Day.

　　8. 查核 Inspection

　　如银行提出要求，客户应让银行之代表(包括银行所聘用之独立会计师或其它顾问)于正常营业时间内进入客户营业场所查核客户有能力履行其与银行间授信交易义务之相关帐簿记录及文件，并制作其摘录。

　　Upon request of the Bank, the Customer shall give any persons designated by the Bank (including any independent accountant or other consultant designated by the Bank) access during normal business hours to the Customer's place of business to examine and make extracts from such of the Customer's books, records and documents as may be pertinent to the Customer's ability to perform its obligations under the facility transactions between the Customer and the Bank.

　　9. 委外 Outsourcing.

　　客户同意银行得于金融监督管理委员会发布生效与金融机构委外作业相关法令允许之范围内，随时将本约定书规范之交易和服务委托予银行之任何分行或联属银行或第三人处理。

　　The Customer consents that the Bank may from time to time outsource the handling of certain transactions and services hereunder to any branches or affiliates of the Bank or third parties to the extent permitted by the Financial Supervisory Commission outsourcing related regulations for financial institutions as in effect from time to time.

　　10. 客户之违约情事 The Customer's Event of Default

　　10.1 下列任何事件皆构成违约情事(违约情事)： (i) 客户未清偿对银行或第三人之任何到期本金， (ii) 客户自行依台湾破产法或消费者债务清理条例或申请提出宣告破产或声请重整和解或被他人声请破产， (iii) 客户目前经营之主要业务失败或终止营业， (iv)台湾票据交换所决定与宣布不兑付或接受客户签发之票据、汇票或支票， (v) 客户未依相关合约规定履行提供担保之义务， (vi) 客户(若属自然人)死亡，且客户之继承人舍弃继承权，或客户经法院宣告无行为能力或受监护或接受协助，(vii) 客户因刑事控诉而被宣告没收主要财产， (viii)客户未于负债到期时支付任何部分或全部之债务利息， (ix) 担保品遭查封或灭失或担保品或其它保证之价值减少或已不足以担保负债(若系因担保人担任客户董事或监察人或其它代表权限之原因，而为客户担保时，此等担保应于担保人不再担任此等职务后失效)，(x)依与担保品有关之保险单规定应缴纳之保费未经按期缴纳，或未经银行同意以向保险公司借款之方式抵缴保费，(xi)客户对银行之借贷资金用途与银行原核定之用途不符，(xii)客户财物受强制执行，假扣押、假处分或其它保全处分或将由主管机关指定之人接管控制客户之此等财产或营运， (xiii)银行获悉客户所提交之财务报表、合约或其它文件内容系不真实或遗漏重要事实，或 (xiv)任何原因情事经银行合理判断，认为已造成或可能造成客户财务状况产生实质不利之影响致银行有不能受偿之虞。

　　Any of the following events shall constitute an event of default ("Event of Default"): (i) the Customer fails to pay any part or all of the principal of any facility owed to the Bank or to any third party when due; (ii) a voluntary petition for declaration of bankruptcy or reorganization or involuntary petition is filed against the Customer under the Taiwan Bankruptcy Law or the Consumer Debt Clearance Act; (iii) the principal business presently engaged in by the Customer shall fail or shall be suspended; (iv) the Clearing House of the Republic of China shall determine and declare not to honor or accept bills, drafts or check s drawn by the Customer; (v) the Customer fails to perform the Customer's obligation of providing security in compliance with the relevant agreement; (vi) the Customer (if an individual) dies and the Customer's heirs waive rights to inherit or the Customer is declared incompetent or subject to guardianship or assistance by a court; (vii) the Customer's major assets are declared to be subject to confiscation by reason of criminal charge; (viii) the Customer fails to pay any part or all of the interest of the liabilities when due; (ix) the security is attached or extinguished, or the security or any other support or guarantee decreases in value or is insufficient to secure the liabilities (including in the event that a guarantee is issued by a guarantor for the obligations of the Customer due to such guarantor’s being a director or supervisor or having another capacity with the representative authority of the Customer, such guarantee ceasing to be effective due to such guarantor no longer holding such capacity); (x) the premium upon any policy of insurance constituting or covering any part of the security is not paid when due or is paid by premium loan of the insurer without the consent of the Bank; (xi) the borrowed funds are not utilized for the purpose as originally approved by the Bank; (xii) the Customer's assets are subject to compulsory execution, provisional seizure, provisional disposition or other precautionary measures, or any person designated by government authority shall take possession or control of such property or control over the operations of the Customer;

　　(xiii) the Bank shall learn that any representation or statement made in any financial statement, agreement or other document delivered to the Bank by or on behalf of the Customer is untrue or omits any material fact; or (xiv) any event of circumstance which shall be reasonably determined by the Bank to have resulted or is likely to result in a material adverse effect on the Customer's financial condition or operations, and its inability to repay its indebtedness to the Bank.

　　10.2 客户如有上述第(i)款至第(vii)款情形，银行无须经请求或通知或其它行动，如有第( viii)款至第(xiv)款情形，银行于二十日前通知或催告客户后，客户对银行所负之一切债务应即视为到期，银行得要求客户立即清偿，并得为下列行为： (i)以抵销、变卖、拍卖或其他方式处分担保品; (ii)提示银行所持有客户所签发之任何本票;及 (iii)为其它法律所准

　　许办理之行为。

　　All obligations shall forthwith become due and payable without demand, notice or any other action by the Bank in the event of the occurrence of any event as provided in the above items (i) to (vii) or after a prior twenty days' notice is given to the Customer in the event of the occurrence of the events as provided in the above items (viii) to (xiv), and the Bank may request the Customer to repay the liabilities immediately without restriction by repayment previously determined by the Bank, and then may (i) dispose of the security by set-off, private sale, auction or otherwise; (ii) present any promissory notes signed by the Customer it holds; and (iii) take all other actions permitted by law, without notice to the Customer except as required by law.

　　11. 确认身分措施 Identity Verification Measures

　　11.1 如办理开户对象为受经济制裁、外国政府或国际洗钱防制组织认定或追查之恐怖分子

　　或团体者，银行得自行决定拒绝业务往来或径行关户。

　　Where the Customer to open the account is a person who is subject to financial sanctions and has been determined to be, or is under the investigation by a foreign government or international anti-money laundering organizations as being, a terrorist or a terrorism organization, the Bank may at its discretion terminate the business relationship or close the account directly.

　　11.2 对于不配合定期审视、对交易之性质与目的或资金来源不愿配合说明等客户，银行得自行决定暂时停止交易，或暂时停止或终止业务关系。

　　For the Customer who does not co-operate in periodic reviews or in explaining the nature and purpose of the transaction or the source of the funds, the Bank may at its discretion temporarily suspend transaction or temporarily cease or terminate the business relationship.

　　※□客户在与银行分别审阅及讨论每一条款后，兹此明白确认已了解且明确同意本约定书之

　　内容，包括但不限于本约定书所约定之义务范畴及 A部分第 5、10、11及 14条与 A-1部分第 9、第 10条有关利息、佣金、费用、抵销、豁免保密义务、处理个人数据、违约情事及委外规定(A1部分第 10.1条第(i)至第(xiv)款规定之内容，应构成违约情事)。

　　THE CUSTOMER HEREBY EXPRESSLY ACKNOWLEDGES THAT, AFTER HAVING SEPARATELY REVIEWED AND NEGOTIATED EACH SUCH CLAUSE WITH THE BANK, THE CUSTOMER UNDERSTANDS AND SPECIFICALLY AGREES TO THIS AGREEMENT, INCLUDING BUT NOT LIMITED TO THE SCOPE OF OBLIGATIONS COVERED BY THIS AGREEMENT AND THE INTEREST, COMMISSIONS, EXPENSES, SET-OFF, WAIVERS OF

　　CONFIDENTIALITY, PROCESSING OF PERSONAL DATA, EVENTS OF DEFAULT AND OUTSOURCING SET OUT IN CLAUSES 5, 10, 11 AND 14 OF PART A AND CLAUSES 9 AND 10 OF PART A-1 (IN PARTICULAR, ITEMS (i) THROUGH ITEMS (xiv) OF THE ABOVE CLAUSE 10.1 OF PART A-1 SHALL CONSTITUTE AN EVENT OF DEFAULT).

　　※客户应予勾选，并于项目旁签名/用印。

　　Customer should check the box and sign/chop next to the box.

　　(B部分 – 贸易授信条款) (Part B - Trade Finance Provisions)

　　贸易授信条款构成本约定书之一部分。

　　The Trade Finance Provisions form an integral part of this Agreement.

　　1. 适用规定(Application)

　　1.1 依本约定书： In this Agreement:

　　(a) 于相关法令允许之范围内，下列条款与条件，应符合银行就任何跟单信用状与任何特定授信所指定之其它条款与条件;

　　The following terms and conditions shall, to the extent permitted by relevant laws and regulations, be subject to such other terms and conditions which may be specified by the Bank in relation to any documentary credit and any particular banking facilities;

　　(b) 所有跟单信用状皆须符合国际商会(简称 ICC)随时公布生效之跟单信用状统一惯例(简称 UCP)之规定;

　　Each documentary credit shall be subject to the Uniform Customs and Practice for Documentary Credits (“UCP”) of the International Chamber of Commerce (“ICC”) as are in effect from time to time;

　　(c) 所有担保信用状皆须符合 ICC 随时公布生效之 UCP 或国际担保函惯例(简称 ISP)之规定(如同载明于相关申请书或说明文件内容中);

　　Each standby letter of credit shall be subject to UCP or International Standby Practices (“ISP”) of ICC (as stipulated in the relevant application form(s) or the text of the instrument) as are in effect from time to time;

　　(d) 所有由银行所出具之担保函、保证函或付款承诺，皆须符合 ICC 随时公布生效之 ISP、即付保证函统一规则(简称 URDG)、相关申请书或金融商品说明内容中所载明之准据法规定;

　　Each guarantee, bond or payment undertaking issued by the Bank shall be subject to ISP, Uniform Rules for Demand Guarantees (“URDG”) of ICC as are in effect from time to time or the governing law as stipulated in the relevant application form(s) or the text of the instrument;

　　(e) 托收(跟单托收或光票托收)作业，应符合 ICC 随时公布生效之托收统一规则规定;及

　　Collection (either documentary or clean) shall be subject to the Uniform Rules for Collections (“URC”) of ICC as are in effect from time to time; and

　　(f) 于未违反本约定书一般条款第 2 条规定之前提下，若本约定书与 UCP、ISP、 URC、URDG 或任何 ICC 规则，有任何不一致时，则应优先适用本约定书。

　　Without prejudice to Clause 2 of the General Provisions of this Agreement, in the event of any conflict or inconsistency between this Agreement and UCP, ISP, URC, URDG or any ICC rules, this Agreement shall prevail.

　　2. 商业跟单信用状/担保信用状/担保/保证/补偿或类似性质之文书(以下称「保证函」)

　　Commercial Documentary Credit / Standby Letter of Credit / Guarantee / Bond / Indemnity or the like (the “Undertakings”)

　　2.1 银行被授权依其所签发之保证函，接受所有提款或预计提款及提示或承兑之文书，并支付款项。

　　The Bank is authorized to accept and pay all documents drawn or purporting to be drawn and presented or negotiated under each of the Undertakings issued by the Bank.

　　2.2 就任何跟单信用状或担保信用状，银行得限制仅得于其营业地点或其指定之通汇行或代理行，进行承兑。

　　The Bank may restrict negotiations under any documentary credit or standby letter of credit to its own offices or to any correspondent or agent of its choice.

　　2.3 客户应依银行要求就银行所支付之任何款项予以补偿，且应于银行所签发之每一保证函所载相关日期时，支付到期应付之款项。

　　The Customer will reimburse the Bank on demand any amount paid by the Bank and will pay the Bank no later than the applicable date an amount equal to the amount due under each of the Undertakings issued by the Bank.

　　2.4 客户不可撤销地授权银行得不需事前通知，自客户之账户中扣取所有由银行或其通汇

　　行所支付之款项总额或客户应支付予银行之其它款项;

　　The Customer hereby irrevocably authorizes the Bank to debit the Customer’s account(s), without making prior demand, all sums that may be paid by the Bank or by the Bank’s correspondents or any sums payable by the Customer to the Bank;

　　2.5 客户同意于相关法令允许之范围内，银行得(随时并不需提前通知客户或取得客户同

　　意)修改及取消银行所发出之任何保证函之全部或未动用部份之余额。

　　The Customer expressly agrees that the Bank may, to the extent permitted by relevant laws and regulations, (at any time, without notice or consent from the Customer) amend and/or cancel the whole or the unused balance of any of the Undertakings issued by the Bank.

　　2.6 客户同意银行于取得客户就依任何由银行签发之保证函豁免提示瑕疵时，并不代表银

　　行即有义务豁免该等提示瑕疵。尽管客户豁免提示瑕疵，银行仍有权拒绝接受此等文件之提示。

　　The Customer agrees that obtaining the Customer’s waiver of discrepancies by the Bank in respect of Documents drawn under any of the Undertakings by the Bank does not obligate the Bank to waive non-compliance of such Documents. The Bank is fully entitled to reject such Documents notwithstanding that the Customer has waived the discrepancies.

　　2.7 客户同意于相关法令允许之范围内，银行得于自行决定且不需事前咨询客户，修改客

　　户所提出之条款与条件及/或于保证函中附加银行认定适当之其它条款与条件。

　　The Customer agrees that the Bank may, to the extent permitted by relevant laws and regulations, at its sole discretion and without prior reference to the Customer, amend the terms and conditions submitted by the Customer and/or insert additional terms and conditions into the Undertakings as the Bank thinks appropriate.

　　2.8 客户同意审阅就其所持有每份由银行发出之保证函之副本内容，并不可撤销的同意若客户未于收取保证函之日起算 7 日内，就银行所发出保证函内容提出异议，则视为已同意舍弃异议或对银行请求补偿之权利。

　　The Customer agrees and undertakes to examine the customer copy of each of the Undertakings issued by the Bank and irrevocably agrees that failure to give a notice of objection about the contents of the Undertakings issued by the Bank within 7 calendar days after receipt of the customer copy of the Undertakings shall be deemed to have agreed to waive any rights to raise objections or pursue any remedies against the Bank in respect thereof.

　　3. 出口文件 Export Documents

　　3.1 不论 UCP或 ICC 是否另有规定，客户同意与银行对客户拥有完整之追索权，且依银

　　行要求，就银行于任何文件提示时因款项尚未完全支付而代垫之款项(包括购买、折现、承兑任何票据或就任何票据进行授信)、或就于到期日因任何原因而未完全支付予银行之任何款项补偿银行，包括(但不限于)开状银行或指定银行(如 UCP所定义)发生无力偿债情形、相关国家之外汇限制及/或政治不稳定、文件及/或商业争议、诈欺或遭受诈欺等情事。

　　Notwithstanding the provisions of UCP or other ICC rules, the Customer hereby expressly agrees and consents that the Bank will have full recourse against it and it will reimburse the Bank on demand for any advances (including purchase, discounting, negotiation or financing of any bills) against any Documents which have not been duly honoured on presentation or in respect of which payment has not been duly made to the Bank on the maturity date due to whatever reasons including (without limitation) insolvency of the Issuing or Nominated Banks (as defined in UCP), foreign exchange constraints and/or political instability at the relevant countries, documents and/or commercial disputes, fraud or alleged fraud etc.

　　3.2 客户应依银行要求就其按银行所副署或签发之保证或赔偿文件所收取之款项返还予银行，包括如瑕疵文件因任何原因而后续被拒绝接受或付款。

　　The Customer will refund to the Bank on demand for any monies received by the Customer under any guarantee or indemnity countersigned or issued by the Bank covering discrepancies of the Documents if such Documents are subsequently not accepted or paid due to whatever reasons.

　　4. 出口前授信 Pre-Shipment Loan

　　4.1 客户保证尽快及不晚于申请书止所订之日期依出口跟单信用状所订条件，向银行提示

　　文件适当完成押汇。

　　In respect of any pre-shipment loan application, the Customer undertakes to present to the Bank the Documents for negotiation/presentation properly drawn and conforming to the terms and conditions of the export documentary credit referred to in such application as soon as available and in any case not later than the date fixed in such application.

　　4.2 若客户未能于上述第 4.1 条所订之日期当日或之前，提供适当文件予银行时，则客户应立依银行就相关出口前授信所支付之所有预付款，加计所有应计利息偿付予银行。

　　If the Customer fails to deliver the Documents to the Bank on or before the agreed date mentioned in Clause 4.1 above, the Customer shall immediately pay to the Bank in full all advances made by the Bank pursuant to the relevant pre-shipment loan together with all interest accrued.

　　5. 商品之质押 Pledge of Goods

　　5.1 银行就其所提供之授信，将对商品及其相关文件取得质押权利，直至客户已完全履行对银行之所有债务为止。

　　In consideration of the banking facilities extended by the Bank, the Bank shall have a pledge on the goods or Documents relating to the goods until all the obligations owed by the Customer to the Bank have been fully discharged.

　　5.2 除银行所持有之担保品外，质押亦应构成对银行之持续担保。

　　The pledge shall be a continuing security, in addition to any other security held by the Bank.

　　5.3 银行被授权依一般条款第 4.2 条规定，出售、处分或以其它方式处理任何商品或文件。

　　The Bank is authorized to sell, dispose of or otherwise deal with any of the goods or Documents in accordance with Clause 4.2 of the General Provisions.

　　5.4 客户应承担与商品相关之所有风险，就所持有作为担保品之商品或文件之任何损失、损害或价值减损不负任何责任，但可归责于银行、其员工、代理人之重大过失或故意行为者，不在此限。

　　The risks in the goods shall be with the Customer and the Bank shall not be responsible for

　　any loss or damage or depreciation in value of any goods or Documents held by the Bank as

　　security unless caused by gross negligence or wilful default of the Bank or any of its

　　employees or agents.

　　6. 质押 Release of Pledged Goods

　　客户为使银行解除对商品或与商品相关文件之质押权利，应签署及交付形式及内容符

　　合银行要求之信托收据或其它文件。

　　If any goods or Documents relating to goods pledged to the Bank are released to the Customer or to its order, the Customer shall execute and deliver to the Bank trust receipts in form and substance satisfactory to the Bank together with any other documentation that the Bank may require.

　　7. 提货担保函 Shipping Guarantees

　　7.1 若银行应客户要求，副署或签发保证函包括在末向船运公司、运输公司或运送代理人

　　提示提单或所有权文件之情形下，则客户保证：

　　If the Bank, at the request of the Customer, countersigns or issues letters of guarantee or indemnity covering the release of goods without production to shipping companies, carriers or forwarding agents of the relevant bills of lading, or other transport or title documents, the Customer undertakes that:

　　(a) 其将尽其最大努力取得相关提单、运送或所有权文件;

　　it will use its best endeavours to obtain the relevant bills of lading, transport or title documents;

　　(b)

　　于收到提单、运送或所有权文件时，其应将该等文件送交银行，并使银行免除任何担保提货保证责任，并将相关担保提货保证书，返还银行予以撤销;

　　upon receipt of the bills of lading, transport or title documents, the Customer shall deliver them to the Bank and procure the release of the Bank from any shipping guarantee or indemnity given and the return of the relevant shipping guarantee or indemnity to the Bank for cancellation;

　　(c) 舍弃就进口文件列示之所出现之瑕疵主张任何权利，且接受依据相关跟单信用状规定所提示之所有该等文件;及

　　it will waive all discrepancies that may appear in the import documents and accept all such Documents presented under the relevant documentary credit; and

　　(d) 依银行要求，存入相等于银行担保提货保证书所承担义务之款项或担保品，直至该等保证书已返还予银行以免除其保证责任为止。

　　it will, on demand by the Bank, deposit with the Bank such sum of money or security equal to the Bank’s obligations in respect of the shipping guarantees or indemnity given by the Bank until they are released and returned to the Bank.

　　7.2 客户授权银行接受任何相关提款，而不需检查所提示之文件，并于银行认为适当时，于所有相关提单、所有权文件、运送文件、保险文件或任何可转让票据上，以客户名义背书或副署。

　　The Customer authorizes the Bank to honour any relevant drawings without examining the presented Documents and to endorse or countersign in the Customer’s name or otherwise all relevant bills of lading, title documents, transport documents, insurance documents or any negotiable instruments as the Bank thinks appropriate.

　　8. 保证 Undertakings

　　客户保证： The Customer undertakes that:

　　(a) 其为商品与文件之唯一受益所有人; it is the sole beneficial owner of the goods and Documents;

　　(b) 其将支付与商品运送、保险与储存相关及其附随成本;

　　it will pay all costs of and incidental to the transportation, insurance and storage of the goods;

　　(c) 除非依据银行指示或取得银行事前同意，其不会对商品及/或其相关文件设定

　　负担、移转、出售、处分或以其它方式处理;

　　it will not encumber, transfer, sell, dispose of or otherwise deal with the Documents and/or the goods except as directed by or with the prior consent of the Bank;

　　(d) 其将保持商品及/或其相关销售所得之独立性，并与客户或其它人之财产或帐户予以区隔;

　　it will keep the goods and/or the sales proceeds of the goods separate from any other property or accounts respectively of the Customer or other persons;

　　(e) 不会进行任何可能影响商品价值及/或质押与本约定书效力之任何行动;

　　it will not take any action which might prejudice the value of the goods and/or the effectiveness of the pledge and this Agreement;

　　(f) 依银行要求，提交银行与文件相关之信息及提供银行受托保管之任何销货收入，并安排银行或其代理人检视商品或取得商品之所有权;

　　it will, at the request of the Bank, provide the Bank with such information concerning the Documents, and any sales proceeds holding in trust for the Bank and arrange the Bank or its delegates to inspect or take possession of the goods;

　　(g) 将告知银行有关商品之所在地及商品之状态、市价、质量或数量之任何变动情况;且

　　it will keep the Bank informed of the whereabouts of the goods and of any change in the condition, market price, quality or quantity of the goods; and

　　(h) 为行使本合约所赋予之权利，签署经银行认定适当之文件及从事相关行为。

　　it will execute such documents and perform such acts as the Bank may consider expedient in connection with the exercise of its powers and rights hereunder.

　　9. 授权 Authorizations

　　客户授权银行： The Customer hereby expressly authorizes the Bank:

　　(a) 就银行所提供之授信，指派并委由其它人(包括通汇行、代理行或承包商)行使银行依本约定书所拥有之任何权利;

　　to appoint any other person (including correspondent, agent or third party contractor) in relation to the banking facilities extended by the Bank and the Bank may delegate any of its powers hereunder to such person;

　　(b) 就商品进行卸货、运送、储存及/或保险之作业，并得随时检验商品;

　　to land, ship, store and/or insure the goods and to inspect the goods at any time;

　　(c) 就银行于商品及其相关文件上所拥有之权益通知他人;

　　to notify any other person of its interest in the Documents and the goods;

　　(d) 就跟单信用状、担保信用状、保证书或银行因授信所提供之其它承诺，于到期时或依要求支付款项，并得于未通知客户或任何其它人之情形下，自客户账户中扣款。

　　to make payment forthwith when due or on demand under documentary credit, standby letter of credit, guarantee, indemnity or other commitment which the Bank may have provided in respect of the banking facilities and to debit the Customer’s accounts for such payment without reference to the Customer or any other person.

　　10. 责任限制 Limitation on Liability

　　10.1 尽管银行及/或其代理人无义务或依跟单信用状或担保信用状及/或 USP，ISP或其他 ICC之规则，得以文件瑕疵为由而拒绝付款，银行及/或其代理人基于诚信且依其一般政策或实务规定，有权依客户要求，就银行签发之任何跟单信用状所提出之请求进行付款。

　　The Bank and/or its agent, acting in good faith and in accordance with its normal policy or practice is entitled to honour claims drawn under any documentary credit issued by the Bank at the request of the Customer notwithstanding that the Bank and/or its agent is not obliged or ought to reject such claims under the documentary credit or standby letter of credit and/or the applicable edition of UCP, ISP or other ICC rules on the ground that there are discrepancies.

　　10.2 银行，除应尽之合理注意义务外，不须就其所持有之任何商品、文件或事项负责，且

　　不须就被选任之代理行或通汇行之违约或疏失或于运送时所产生之损失负担任何责任。

　　The Bank is not responsible for any goods, documents or items in its possession beyond the exercise of reasonable care and shall not be held liable for the default or negligence of any selected agent or correspondent or for any losses incurred in transit.

　　若客户为公司： If the Customer is a company:

　　应提供一份经济部登记证、公司章程与组织大纲(简称「M & A」)(或若属台湾注册登记公司，则提供公司章程)及董事会决议之经认证副本。

　　A certified copy of the Ministry of Economic Affairs Registration Card, Memorandum and Articles of Association (“M & A”)(or Articles of Incorporation for companies registered in Taiwan) and board resolutions should be supplied.

　　建议于授权签署人姓名旁填上其职称。

　　It is advisable to insert the title of the authorized signer beside his/her name.

　　若客户为个人、独资或合伙组织：

　　If the Customer is an individual, a sole proprietor or partnership:

　　应提供一份客户身分证与护照或其它载有姓名及照片之身分证明文件之复印件(但已提供者不需另附)。

　　A copy of the Customer’s I.D. Card and Passport or other I.D. documentation bearing the name and photo should be supplied (unless already supplied).

　　需提供一份独资或合伙组织(视情况而定)之营利事业登记证经认证副本。

　　A certified copy of the sole proprietor’s or partnership’s (as the case may be) Business Registration Certificate should be supplied.

　　若客户为一独资企业，则每名客户仅需提供一份签名。

　　Only one signature is required per each Customer if the Customer is a sole proprietor.

　　若客户为一合伙组织，则所有合伙人皆须签署本约定书。

　　All partners should sign this Agreement if the Customer is a partnership.